Job Details

Apply Now
Title: Commercial Underwriter II
Code: 1491522507
Type: Commercial Underwriter II
Status: Full Time
Location: Chico - Chico


The Commercial Underwriter underwrites commercial business, real estate, agriculture, and SBA 504 loan requests.  The underwriter analyzes financial information, recommends loan actions, and approves loan requests within his or her authority as assigned.  Analyzes commercial loan applications and renewals and determines credit worthiness and appropriate grading for consideration of the loan request.  Assists the sales staff to maximize the cross sales effort as the loan request is being processed.  Prepares loan for legal documentation and monitors the closing process.  Follows for timely renewals, reporting requirements, compliance and delinquencies.




  • Analyzes commercial loan applications received by Relationship Managers to determine eligibility of request.  Provides prompt turnaround time upon request.  Confers with Relationship Managers to determine client needs and discuss options for borrowers.  Requests any additional information needed to complete processing and periodically attends client meetings to provide credit expertise.  Approves or declines commercial loan requests within assigned limits.  Recommends credit approval requirements including the establishment of financial performance covenants, monitoring requirements, and other loan provisions and ensures accurate grading of new and existing credits based on analysis.
  • Coordinates the credit approval process, evaluates repayment, and mitigates risk.
  • Analyzes key factors such as industry, management, and economic trends.
  • Provides assistance and exceptional sales support to all sales staff in answering questions relating to commercial loans.
  • Assures the customer loan request is processed accurately and timely.  Coordinates with appraisal department and escrow companies for secured loan products.
  • Orders business credit reports and personal credit reports on business principals.
  • Coordinates compliance, decline letter preparation and maintenance of adverse action database.
  • Maintains a log of maturing lines and coordinates renewal process to ensure that necessary information is received prior to line maturity.
  • Monitors past due loans for assigned portfolio(s) and recommends action to sales staff or contacts customers directly, as appropriate.  Maintains a log of pending action or resolution for past due loans.
  • Assists Relationship Managers as needed in the preparation of Interim Credit Reports and Real Estate Update Memos.




  • Maintains a current understanding of Bank underwriting guidelines, procedures, policies and compliance issues.  Maintains a working knowledge of regulatory requirements for documentation and regulations relating to commercial lending.
  • Maintains a current understanding of and complies with Reg B – Fair Lending, Community Reinvestment Act, HMDA, Bank Secrecy Act, Suspicious Activity Reporting, CIP, Gramm-Leach Bliley Act – information privacy, and OFAC regulations.
  • Inputs application and financial information.
  • Performs Commercial Credit Officer duties in their absence as needed.
  • Performs other work-related duties as assigned.
  • Orders the preparation of loan documentation and reviews for completion. 
  • May be asked to provide formal or informal training and support to various colleagues within the bank and across multiple job functions with regard to credit fundamentals, policy, and underwriting techniques and guidelines.
  • Assists Commercial Loan Supervisor in the development and completion of special projects, spreadsheets, graphs, and reports as assigned.


TriCo Bancshares and Tri Counties Bank are headquartered in Chico, California. From a single bank on a tree-lined street in Chico 38 years ago, Tri Counties Bank has grown to 61 branches serving communities from Bakersfield to the Oregon border, from the Sierra Nevada to the wild north coast, with assets over $2.5 billion.


Tri Counties Bank offers financial services and provides a diversified line of products and services to consumers and businesses, which include demand, savings and time deposits, consumer finance, online banking, mortgage lending, and commercial banking throughout its market area. It operates a network of 67 ATMs and provides a 24-hour, seven days automated Customer Service Department. Brokerage services are provided at the Bank’s office by the Bank’s association with Raymond James Financial, Inc.


How has Tri Counties remained strong and profitable? A top-down commitment to responsible lending and sound business practices. Plus a dedication to service, convenience, and technology, including online and mobile banking, supermarket branches open seven days a week, and a 24-hour automated Customer Service Department.


But we know that our success is really based on our presence in the towns and cities we serve. We’ve always treated customers the way we want to be treated. Which makes sense, because we live here too. You may recognize us at baseball games and local eateries, skiing in the mountains, boating on the lakes, and fishing the local streams. The personal touch comes naturally to us.


Tri Counties Bank is an equal opportunity employer of women, minorities, protected veterans, and individuals with disabilities.




  • High school diploma or GED required.
  • Undergraduate degree in Finance, Business Administration or Accounting, or related work experience preferred.
  • Established knowledge of financial accounting theory and logic, loan structuring, commercial products and services.
  • Exceptional communication skills both in verbal and nonverbal areas.
  • A proven ability to interpret and discuss analytical data and make credit recommendations to Senior Management and/or Risk Management on strategic issues or initiatives.
  • Excellent organizational skills with efficient work demeanor that allows involvement in multiple areas.
  • Ability to utilize personal computers, and Windows-driven programs, with an emphasis on the Microsoft Office suite of applications, specifically Word and Excel.
  • Ability to complete a high volume of work efficiently and with accuracy.
  • Excellent verbal and written communication skills.

Medical, dental and vision, Prescription Drug, Group Term Life/AD&D, Dependent Life and Supplemental Life Plans, Flex 125 Plans, Long Term Disability, Employee Assistance Plan, 401k Retirement Plan, Employee Stock Ownership Plan, Time Off Plans